Onit Microfinance Bank

Lead Product Designer, Growth

Lead the design of trust-building experiences and viral growth mechanics to drive app adoption and retention.

Team: Cross-functional team. 2 designers, 4 product managers, 8 engineers, and operations team building for iOS, Android and USS

www.onitbank.com

The Problem

Kenya's 2.4M SMEs face an expensive & fragmented banking system

M-Pesa charges 1-3% per transaction and controls 95%+ of mobile money movement in Kenya. Traditional banks require $500+ minimum balances, and account opening takes weeks. This leaves 65% of SMEs to operate entirely in cash, losing an estimated $2B annually to inefficient financial establishments, limiting their ability to grow.

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The Problem

Kenya's 2.4M SMEs face an expensive & fragmented banking system

M-Pesa charges 1-3% per transaction and controls 95%+ of mobile money movement in Kenya. Traditional banks require $500+ minimum balances, and account opening takes weeks. This leaves 65% of SMEs to operate entirely in cash, losing an estimated $2B annually to inefficient financial establishments, limiting their ability to grow.